- Ford Bronco insurance costs an average of $1,962 per year ($164 per month) for a full coverage policy.
- The Bronco is one of the more expensive midsize SUVs to insure, costing $238 more per year on average when compared to the rest of the vehicles in the segment.
- The cheapest Ford Bronco insurance is on the Bronco base model at an average cost of $1,738 per year.
- The most expensive trim to insure is the Bronco Raptor at $2,164 per year.
How much does Ford Bronco insurance cost?
Ford Bronco insurance costs an average of $1,962 a year for a full coverage policy. Depending on the trim level being insured, monthly car insurance cost for a 2023 Ford Bronco ranges from $145 to $180.
When splitting out the cost of individual coverages, collision coverage costs approximately $910 a year, comprehensive (or other-than-collision) coverage will cost around $484, and the remaining liability and medical coverage is around $568.
The chart below shows average 2023 Ford Bronco insurance cost when rated for different driver ages and risk profiles.
In the chart above rates range from a discount rate for a 40-year-old driver of $1,630 to the high-risk average rate for a 30-year-old driver of $4,460 per year.
Not shown in the chart are car insurance rates for teenage drivers. A 16-year-old male driver with a clean driving record would pay around $6,970 while a 16-year-old female would pay about $6,132. At age 17, males would pay around $6,536 and females $5,800.
A few additional key data insights regarding Bronco car insurance cost include:
- Improve your credit to save money. In states that give the green light for a driver’s credit score to be used as a pricing factor, having a high credit score of 800+ could get savings of $308 per year versus a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $357 more per year.
- Age and gender affect car insurance rates. For a 2023 Ford Bronco, a 20-year-old male pays an average rate of $3,906 per year, while a 20-year-old female will pay $2,892, a difference of $1,014 per year in the women’s favor by a large margin. But by age 50, the cost for men is $1,784 and the rate for females is $1,750, a difference of only $34.
- Be a careful driver and save. Too frequent at-fault accidents can raise rates, potentially by an additional $910 per year for a 30-year-old driver and as much as $624 per year for a 50-year-old driver.
- Increasing deductibles lowers insurance cost. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $316 per year for a 40-year-old driver and $620 per year for a 20-year-old driver.
- Low physical damage deductibles increase policy cost. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $330 per year for a 40-year-old driver and $652 per year for a 20-year-old driver.
- Ford Bronco insurance rates for teens are expensive. Average rates for full coverage 2023 Ford Bronco insurance cost $6,970 per year for a 16-year-old driver, $6,536 per year for a 17-year-old driver, and $6,112 per year for an 18-year-old driver.
- Your choice of occupation could lower your rates. Some car insurance companies offer policy discounts for earning a living in occupations like farmers, members of the military, police officers and law enforcement, high school and elementary teachers, firefighters, engineers, and other occupations. By working in a profession that qualifies for this discount, you could potentially save between $59 and $178 on your car insurance premium, depending on the age of the driver.
Is a Bronco cheap to insure?
Insurance on a 2023 Ford Bronco ranks 27th out of 31 comparison vehicles for overall affordability. The Bronco costs an average of $1,962 per year to insure, while the midsize SUV category average cost is $1,724 annually, a difference of $238 more per year.
When rates for the most popular models in the segment are compared, insurance for a Ford Bronco costs $10 more per year than the Jeep Wrangler, $308 more than the Toyota 4Runner, $86 more than the Jeep Grand Cherokee, and $444 more than the Subaru Outback.
When average Ford Bronco insurance rates are compared to all vehicles (not just midsize SUVs), they cost 15.2% more than the national average car insurance rate of $1,685 per year.
The comparison chart below shows how well average Ford Bronco car insurance rates compare to other midsize SUVs, including the Jeep Wrangler, for the 2023 model year.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,368 | -$594 |
| 2 | Subaru Ascent | $1,434 | -$528 |
| 3 | Ford Edge | $1,494 | -$468 |
| 4 | Ford Explorer | $1,504 | -$458 |
| 5 | Volkswagen Atlas | $1,506 | -$456 |
| 6 | Nissan Murano | $1,516 | -$446 |
| 7 | Subaru Outback | $1,518 | -$444 |
| 8 | Volkswagen Atlas Cross Sport | $1,576 | -$386 |
| 9 | Toyota Venza | $1,608 | -$354 |
| 10 | Kia Sorento | $1,618 | -$344 |
| 11 | Hyundai Palisade | $1,638 | -$324 |
| 12 | Toyota 4Runner | $1,654 | -$308 |
| 13 | GMC Acadia | $1,682 | -$280 |
| 14 | Chevrolet Traverse | $1,684 | -$278 |
| 15 | Honda Pilot | $1,696 | -$266 |
| 16 | Buick Enclave | $1,702 | -$260 |
| 17 | Nissan Pathfinder | $1,712 | -$250 |
| 18 | Mazda CX-9 | $1,720 | -$242 |
| 19 | Mitsubishi Outlander Sport | $1,744 | -$218 |
| 20 | Kia Telluride | $1,754 | -$208 |
| 21 | Toyota Highlander | $1,762 | -$200 |
| 22 | Chevrolet Blazer | $1,786 | -$176 |
| 23 | Hyundai Santa Fe | $1,810 | -$152 |
| 24 | Jeep Grand Cherokee | $1,876 | -$86 |
| 25 | Jeep Cherokee | $1,914 | -$48 |
| 26 | Jeep Wrangler | $1,952 | -$10 |
| 27 | Ford Bronco | $1,962 | -- |
| 28 | Tesla Model Y | $1,970 | $8 |
| 29 | Mitsubishi Outlander PHEV | $2,018 | $56 |
| 30 | Dodge Durango | $2,102 | $140 |
| 31 | Rivian R1S | $2,160 | $198 |
What is the cheapest Ford Bronco insurance?
With Ford Bronco insurance rates ranging from $1,738 to $2,164 per year on average, the cheapest model to insure is the base trim. The next cheapest model to insure is the Big Bend at $1,820 per year.
The highest cost trim levels of Ford Bronco to insure are the Raptor at $2,164 and the Heritage Limited at $2,132 per year. Those models will cost an extra $426 and $394 per year, respectively, over the cheapest base model.
The model comparison chart below shows average annual and semi-annual car insurance rates for each trim level available for the 2023 Ford Bronco.
| Ford Bronco Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Base | $1,738 | $869 | $145 |
| Big Bend | $1,820 | $910 | $152 |
| Black Diamond | $1,866 | $933 | $156 |
| Outer Banks | $1,908 | $954 | $159 |
| Badlands | $1,956 | $978 | $163 |
| Wildtrak | $2,034 | $1,017 | $170 |
| Everglades | $2,044 | $1,022 | $170 |
| Heritage Limited | $2,132 | $1,066 | $178 |
| Raptor | $2,164 | $1,082 | $180 |
Average cost to insure a Ford Bronco in your state
Where you live is one of the largest factors that determine how much you’ll pay to insure your Bronco. Rates can vary significantly, even down to a zip code level, due to things like historical weather-related claims (hail and floods), crime (vehicle theft and vandalism), and even just the amount of traffic congestion on your daily commute.
The table below shows the average cost to insure a Ford Bronco in all 50 U.S. states. Click any state name to view additional rates and information.
| U.S. State | Annual Cost | Six-month Cost | Monthly Cost |
|---|---|---|---|
| Alabama | $1,764 | $882 | $147 |
| Alaska | $1,484 | $742 | $124 |
| Arizona | $1,798 | $899 | $150 |
| Arkansas | $2,052 | $1,026 | $171 |
| California | $2,374 | $1,187 | $198 |
| Colorado | $2,106 | $1,053 | $176 |
| Connecticut | $2,188 | $1,094 | $182 |
| Delaware | $2,232 | $1,116 | $186 |
| Florida | $2,442 | $1,221 | $204 |
| Georgia | $2,004 | $1,002 | $167 |
| Hawaii | $1,338 | $669 | $112 |
| Idaho | $1,396 | $698 | $116 |
| Illinois | $1,722 | $861 | $144 |
| Indiana | $1,466 | $733 | $122 |
| Iowa | $1,312 | $656 | $109 |
| Kansas | $1,932 | $966 | $161 |
| Kentucky | $2,100 | $1,050 | $175 |
| Louisiana | $2,336 | $1,168 | $195 |
| Maine | $1,182 | $591 | $99 |
| Maryland | $1,824 | $912 | $152 |
| Massachusetts | $2,138 | $1,069 | $178 |
| Michigan | $2,682 | $1,341 | $224 |
| Minnesota | $1,682 | $841 | $140 |
| Mississippi | $1,914 | $957 | $160 |
| Missouri | $2,214 | $1,107 | $185 |
| Montana | $1,800 | $900 | $150 |
| Nebraska | $1,638 | $819 | $137 |
| Nevada | $2,346 | $1,173 | $196 |
| New Hampshire | $1,314 | $657 | $110 |
| New Jersey | $2,376 | $1,188 | $198 |
| New Mexico | $1,614 | $807 | $135 |
| New York | $2,272 | $1,136 | $189 |
| North Carolina | $1,224 | $612 | $102 |
| North Dakota | $1,624 | $812 | $135 |
| Ohio | $1,368 | $684 | $114 |
| Oklahoma | $2,166 | $1,083 | $181 |
| Oregon | $1,832 | $916 | $153 |
| Pennsylvania | $1,884 | $942 | $157 |
| Rhode Island | $2,432 | $1,216 | $203 |
| South Carolina | $1,644 | $822 | $137 |
| South Dakota | $2,018 | $1,009 | $168 |
| Tennessee | $1,866 | $933 | $156 |
| Texas | $1,820 | $910 | $152 |
| Utah | $1,718 | $859 | $143 |
| Vermont | $1,428 | $714 | $119 |
| Virginia | $1,304 | $652 | $109 |
| Washington | $1,772 | $886 | $148 |
| West Virginia | $1,750 | $875 | $146 |
| Wisconsin | $1,402 | $701 | $117 |
| Wyoming | $1,744 | $872 | $145 |
When viewing average rates, keep in mind that actual costs can be higher or lower, depending on things like your age, your driving record, your prior claim history, and possibly your credit rating.
Cost can be very different not only within any individual state but also within any city. We recommend getting a few free Ford Bronco insurance quotes using your zip code in order to narrow down your individual rate and ensure you’re getting the best price.
